CN111932377A - Asset security product early warning method and device, electronic equipment and storage medium - Google Patents
Asset security product early warning method and device, electronic equipment and storage medium Download PDFInfo
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Abstract
The invention discloses an early warning method for asset security products, which comprises the following steps: when new loan information is detected, generating corresponding asset blocks according to the loan information and a preset asset management contract; determining target asset security products in a basic asset pool according to asset blocks which accord with preset income rules, wherein the basic asset pool comprises a plurality of different target asset security products; respectively evaluating corresponding target security risks according to the income rules and the acquired actual income data of the target asset security products; and generating a corresponding target early warning signal according to the target security risk so as to control and send out a warning. By implementing the scheme, the loan information is generated into asset blocks according to a preset asset management contract, the asset blocks meeting income rules are selected to determine target asset security products, and corresponding target security risks are evaluated according to actual income data of the target asset security products and the preset income rules, so that the risks of the asset security products in the asset securitization market are effectively monitored.
Description
Technical Field
The invention relates to the technical field of asset security supervision, in particular to an early warning method and device for asset security products, electronic equipment and a storage medium.
Background
Although the asset securitization industry is developed at a high speed, the problems that the fund flow management needs to be perfected, the transparency and efficiency of bottom asset supervision need to be improved urgently, the cost of credit increase measures is high, the efficiency of asset transaction settlement is low and the like gradually appear, and the block chain technology centralization and tamper resistance can effectively solve the problems and promote the healthy development of the asset securitization industry. The financial market represented by digital assets has the combined characteristics of finance and block chain technologies, and risks of financial attributes and innovative technologies exist at the same time, and the risks are easily gathered on various financial transaction platforms across regions, organizations and the like. Information isolated islands are easily caused by various block chains at present, so that the block chains are difficult to combine with the field of asset securities, and the monitoring difficulty of asset security products in the asset securities market is high.
Therefore, there is a need to provide a new asset security monitoring technique.
Disclosure of Invention
The application provides an early warning method and device for asset security products, electronic equipment and a storage medium, which can solve the technical problems that a block chain is difficult to combine with the asset security field, and the monitoring difficulty of the asset security products in an asset securitization market is high.
A first aspect of the invention provides a method of pre-warning of asset security products, the method comprising:
when new loan information is detected, generating corresponding asset blocks according to the loan information according to a preset asset management contract;
determining target asset security products in a base asset pool according to the asset blocks meeting preset revenue rules, wherein the base asset pool comprises a plurality of different target asset security products;
respectively evaluating corresponding target security risks according to the income rules and the acquired actual income data of the target asset security products;
and generating a corresponding target early warning signal according to the target security risk so as to control and send out a warning.
Optionally, when new loan information is detected, the step of generating the corresponding property block according to the preset property management contract by using the loan information includes:
at intervals of unit time, looking up a loan information record table of the property security platform;
extracting all loan information records in the loan information record table, wherein the loan information record table comprises at least one loan information record;
and when the application time of the loan information record is matched with the unit time, judging that new loan information exists, wherein the loan information record contains the application time.
Optionally, when new loan information is detected, the step of generating the corresponding property block according to the preset property management contract by using the loan information includes:
when new loan information is detected, requesting to record the loan information;
after the request is recorded and responded, the loan information is encrypted in a chain manner to obtain the encrypted loan information;
and generating the corresponding asset block according to the encrypted loan information according to the preset asset management contract.
Optionally, the step of generating the corresponding asset block according to the encrypted loan information according to the preset asset management contract includes:
extracting transaction information of the encrypted loan information;
judging whether the encrypted loan information is valid or not according to the transaction information;
and when the encrypted loan information is valid, generating the corresponding asset block on the block chain according to the preset asset management contract.
Optionally, the step of determining a target asset security product in the base asset pool according to the asset block meeting the preset revenue rule includes:
extracting pre-reported information of the asset block;
screening the pre-reported information according to the preset income rule to obtain an asset block corresponding to the preset income rule;
building a basic asset pool by using the asset blocks corresponding to the income rules;
determining the corresponding target asset security product according to the asset block in the base asset pool.
Optionally, the step of respectively evaluating corresponding target security risks according to the income rules and the obtained actual income data of the target asset security products includes:
respectively inquiring actual income data corresponding to a plurality of target asset security products;
respectively comparing the actual income data with income thresholds of the income rules, wherein the income rules comprise the income thresholds;
if the actual income data is greater than or equal to the income threshold value, evaluating the target security risk corresponding to the target asset security product as low risk;
and if the actual income data is smaller than the income threshold value, evaluating the target security risk corresponding to the target asset security product as high risk.
Optionally, after the step of respectively evaluating corresponding target security risks according to the income rules and the obtained actual income data of the target asset security products, the method further comprises:
and establishing a property and security data table by using the loan information, the target property and security products and the target security risk for the user to inquire.
A second aspect of the present invention provides an early warning apparatus for asset security products, the apparatus comprising:
the property generation module is used for generating corresponding property blocks according to the loan information according to a preset property management contract when new loan information is detected;
a product determination module, configured to determine a target asset security product in a base asset pool according to the asset block meeting a preset revenue rule, where the base asset pool includes a plurality of different target asset security products;
the risk assessment module is used for respectively assessing corresponding target security risks according to the income rules and the acquired actual income data of the target asset security products;
and the early warning generation module is used for generating a corresponding target early warning signal according to the target security risk so as to control and send out a warning.
A third aspect of the present invention provides an electronic device comprising: the early warning method for the asset security products comprises a memory, a processor and a communication bus, wherein the communication bus is respectively in communication connection with the memory and the processor, the memory is coupled with the processor, a computer program is stored on the memory, and when the processor executes the computer program, each step in the early warning method for the asset security products in the first aspect is realized.
A fourth aspect of the present invention provides a storage medium being a computer readable storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of the method of warning of asset security products of the first aspect.
The early warning method for the asset security products provided by the invention comprises the following steps: when new loan information is detected, generating corresponding asset blocks according to the loan information and a preset asset management contract; determining target asset security products in a basic asset pool according to asset blocks which accord with preset income rules, wherein the basic asset pool comprises a plurality of different target asset security products; respectively evaluating corresponding target security risks according to the income rules and the acquired actual income data of the target asset security products; and generating a corresponding target early warning signal according to the target security risk so as to control and send out a warning. By implementing the scheme, the loan information is generated into asset blocks according to a preset asset management contract, the combination difficulty between a block chain and the asset security field is reduced, the asset blocks meeting income rules are selected to determine target asset security products, the corresponding target security risks are evaluated by comparing the actual income data of the target asset security products with the preset income rules, and an alarm is sent according to the target security risks, so that the risks of the asset security products in the asset securitization market are effectively monitored, and the method has high reliability.
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In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is an architectural diagram of an early warning system for asset security products provided by an embodiment of the present invention;
FIG. 2 is a flow chart illustrating steps of a method for providing an early warning of asset security products in accordance with an embodiment of the present invention;
FIG. 3 is a block diagram of an early warning apparatus for asset security products in accordance with an embodiment of the present invention;
fig. 4 is an architecture diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, features and advantages of the present invention more obvious and understandable, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The block chain and the asset security field are difficult to combine in the prior art, and the monitoring difficulty of the asset security products in the asset securitization market is high.
In order to solve the technical problems, the invention provides an early warning method and device for asset security products, electronic equipment and a storage medium.
Referring to fig. 1, an architecture diagram of an early warning system for asset security products according to an embodiment of the present invention is shown, where a monitoring system of asset security is a cloud platform system architecture, and preferably, the cloud platform system is a monitoring system of asset security established on a block chain based on an asset management contract, and is applicable to monitoring asset security, such as asset security corresponding to loan. In the invention, for example, loan is used, the monitoring system for the property securities generates corresponding property securities products by using loan information, and risk monitoring is carried out according to actual income data of the property securities products, so that higher safety is ensured, dependence on an intermediary party is reduced, and the transaction cost is reduced; in addition, the mode effectively combines the non-centralized characteristic of the trading of the asset securitized products, and the asset management contract is specifically applied to the asset securitized market, so that the organic combination of the block chain and the financial market is realized.
The asset security supervision system has a plurality of data terminals, and specifically, the asset security supervision system architecture at least comprises: a server 101, a transaction request terminal 102 and a risk warning terminal 103, wherein the system may include a plurality of transaction request terminals 102, such as N transaction request terminals 102, to satisfy requests of a plurality of users or clients at the same time; and may also include multiple risk early warning terminals 103 to implement different levels of alerting. The server 101 and the transaction request terminal 102 can realize data interaction, the server 101 and the risk early warning terminal 103 can realize data interaction, and a transaction request link of a transaction event or a transaction request port 102 is provided for a user or a client through the transaction request terminal 102; the data processing is carried out on the trading data corresponding to the trading event of the trading request end 102 through the server end 101, the trading information corresponding to the asset security product is updated, the risk coefficient of the asset security product is evaluated in real time according to the trading data, and the uploaded trading data information is stored in real time; and responding to the risk coefficient of the server 101 through the risk early warning terminal 103 to make risk early warning.
Specifically, the transaction request terminal 102 is used for providing a transaction request link or a transaction request port of a transaction event for the user or the client, wherein the transaction event includes a loan or a repayment, that is, the transaction request may be a loan transaction request or a repayment transaction request. Further, after a user or a client registers an individual user account number in a supervision system or platform of asset securities, the user or the client can log in to the trading request terminal 102 through a mode of logging in the individual user account number, trade assets with the supervision system or platform of asset securities through the trading request terminal 102, and acquire information corresponding to asset securities products provided by the supervision system or platform of asset securities service terminal 101 so as to perform a trading request of related trading events, for example, a loan trading request is performed through the trading request terminal 102, and a current target asset securities product is selected for loan; or a repayment transaction request is carried out through the transaction request terminal 102, and the current target asset security product is selected for repayment.
The server 101 is a data bus for data processing and data storage of the asset security monitoring system, and has the capability of data interaction with other data terminals, such as interaction of transaction request data in response to the transaction request terminal 102. Specifically, the server 101 includes: the system comprises a service supply part, a processor and a data storage part; the service supply part is used for receiving and sending a transaction request with the transaction request terminal 102, and realizing data interaction between the server terminal 101 and the transaction request terminal 102; the processor is used for calculating and processing trading data, generating asset security products, realizing repayment trading of the asset security products and evaluating risks of the asset security products; the data storage part is used for storing processed transaction data, such as product numbers, payers, money amounts, starting time, expiration time and the like corresponding to asset security products, and the data are stored in the form of asset security tables; it should be noted that the processor may also send the asset security table on the data storage side to the transaction request side 102 through the service provider by calling it, so as to be known by the user. Further, when the user or client sends a loan transaction request at the transaction request terminal 102, the loan transaction request includes: the method comprises the steps that loan information such as loan amount, loan time, repayment expected time and repayment expected time payment limit and interest rate is generated by a service end 101 according to the loan information of a user and a preset asset management contract, when the asset block conforms to income rules, an asset security product is established, namely the loan information conforms to the income rules, and when the loan amount, the loan time, the repayment expected time payment limit and the like meet the income requirements of the income rules in a supervision system of asset securities, a loan transaction request sent by a client to the system or the platform is agreed, and the loan request is successful. On the other hand, when the user or client sends a payment transaction request at the transaction request terminal 102, the payment transaction request includes: the user selects the corresponding target asset security product to carry out the repayment transaction through the request transaction end so as to complete the repayment transaction; in addition, when the user selects the corresponding target asset security product to perform the repayment transaction through the request transaction end, and the repayment amount and the repayment time do not meet the income rule, if the repayment amount does not meet the expected repayment amount of the income rule, or the repayment time does not meet the expected repayment time of the income rule, if the repayment amount is less than the repayment amount before the imperial period, or the repayment time is later than the expected repayment time, the service end 101 will determine that the repayment transaction request of this time does not reach the standard, and will evaluate that the target asset security product has the risk, and then generate a risk early warning signal or risk early warning data.
The risk early warning terminal 103 is a port for risk warning or prompting of a monitoring system of asset securities, and can be used for warning or prompting related personnel, such as short message prompting and the like. When the server 101 evaluates that a target asset security product has a risk, the risk early warning terminal 103 receives a risk early warning signal or risk early warning data sent by the server 101 and then performs early warning according to the received wind direction early warning related data, so that related personnel can master the default risk of the asset security product in real time, and the loss of the asset security product due to default is further reduced.
Referring to fig. 2, a flowchart of steps of a method for warning of asset security products according to an embodiment of the present invention is shown, where the method is applied to the asset security monitoring system shown in fig. 1, and when a processor of a server 101 executes a program, the method for warning of asset security products according to the embodiment is implemented, and the method includes the following steps:
step S201: and when new loan information is detected, generating the corresponding property block according to the loan information according to a preset property management contract.
In this step S201, the loan information is loan information provided by the user or the client, and the loan information needs to be filled in when the user requests to perform a loan transaction with the property and security platform, and the loan information may include: after the user completes the filling, the property security platform stores the loan information items in a loan information record table, wherein the loan information record table is a record table for storing loan information corresponding to loan transaction requests sent by various clients and can store loan information items of a plurality of users. The property security platform detects a loan information record table within preset unit time, when detecting that a loan information record corresponding to the last preset unit time contains a new loan information item, the property security platform is regarded as that a user makes a new loan transaction request, namely, the property security platform detects new loan information, and the authenticity of the loan information is evaluated by identifying the content of the loan information, such as loan information of name of a borrower, loan amount, loan request time and the like, so as to further determine the new loan information, so that the reliability of property security platform management can be effectively improved because misoperation of the user when filling the loan information or malicious harassment of the loan transaction service by the user can be avoided.
Further, when new loan information is confirmed and detected, the loan information is generated into a corresponding property block according to a preset property management contract, it is to be noted that the preset property management contract is used for a contract for managing the loan information, and the loan information can be converted into a data format conforming to a property security platform based on a block chain through the property management contract; and processing the loan information by using the property security platform, chaining the processed loan information to a block chain, and generating a property block corresponding to the loan information. It should be noted that the property block is a property data block for recording loan information to a property security platform based on a block chain, and when a user makes a loan transaction request, an application record of the loan information corresponding to the loan transaction request is stored in the block chain to record the application record of the user; the property block does not correspond to the user's successful request for a loan transaction. The property block generated by the property management contract accords with the property security platform, the combination difficulty between the block chain and the property security field is reduced, the fusion degree of loan information and the property security platform based on the block chain is ensured, and the transaction data processing efficiency of the property security platform is improved.
Step S202: and determining target asset security products in a basic asset pool according to the asset blocks which accord with the preset income rules, wherein the basic asset pool comprises a plurality of different target asset security products.
After the asset block is generated, validation of the asset block is required to determine whether to establish an asset security product. In this step S202, the preset revenue rule is a rule set for the asset security platform, and the revenue rule is not limited to include: loan amount limit, loan money issuing time, repayment expected time, loan interest rate and other data thresholds. Further, obtaining loan information corresponding to the property blocks, judging that the property blocks conform to the preset income rules when data related to the loan information conform to or meet a data threshold corresponding to the income rules, and if the loan amount in the loan information meets the loan amount limit of the income rules, building a basic property pool by the property blocks or adding the property blocks into the built basic property pool; in addition, loan information or related information corresponding to a plurality of property blocks can be organized into a basic property pool, or the loan information or related information corresponding to the property blocks can be added into the basic property pool. Further, the target property security products to be established are determined according to property blocks or loan information corresponding to the property blocks in the basic property pool, wherein the basic property pool can contain a plurality of different target property security products. Through the steps of the method, the asset blocks which accord with the preset income rules can be screened to establish the target asset security products, the loan information which does not accord with the income rules is effectively prevented from being added into the basic asset pool, and the target asset security products are established, so that the risk of the target asset security products is increased; by executing the steps, the monitoring can be carried out at the stage of establishing the target property security product, the loan information is screened, the risk of establishing the target property security product is reduced, and the reliability is improved.
Step S203: and respectively evaluating corresponding target security risks according to the income rules and the acquired actual income data of the target asset security products.
In this step, the actual income data of the target asset security product needs to be acquired, specifically, the user sends a repayment transaction request to the asset security platform within the expected repayment time, the repayment transaction request includes actual repayment information, actual repayment time and the like, the transaction information of the user requesting the repayment transaction for the target asset security product is acquired, and the transaction information includes: and determining the actual repayment amount and repayment time according to the repayment amount information and the repayment time, and determining the actual income data corresponding to the target asset security product according to the transaction information. Further, the predetermined revenue rule is a rule set for the asset security platform, and the revenue rule is not limited to include: data thresholds such as loan amount limit, repayment expected time, loan interest rate, loan repayment amount within expected time, etc.; comparing the preset income rule with actual income data corresponding to the target asset security product, and when the actual income data meets the income rule, if the repayment time in the actual income data is behind the repayment expected time of the income rule or the repayment amount in the actual income data is smaller than the loan repayment amount threshold value in the expected time, evaluating the target security risk corresponding to the target asset security product as high risk; otherwise, the risk of the target security is assessed as low risk. By executing the step, the repayment condition and the basic information of the target asset security product are inquired to evaluate the recovery condition of the cash flow of the loan asset, so that the risk of the securitized product is evaluated, the default risk of the basic asset is mastered in real time, the risk monitoring of the securitization of the asset is improved, the loss caused by default of the target asset security product is avoided, and the method has reliability.
Step S204: and generating a corresponding target early warning signal according to the target security risk so as to control and send out a warning.
Specifically, after a target security risk corresponding to a target asset security product is evaluated, a target early warning signal is generated according to the evaluated target security risk, and the target early warning signal is used for controlling a risk early warning end or a corresponding early warning device to give out a warning or an alarm or a prompt so as to prompt a user or a client to obtain the risk condition of the target asset security product; for example, when the target security risk corresponding to the evaluated target asset security product is high risk, a target warning signal corresponding to the target asset security product is generated according to the high risk condition, or a target warning signal with corresponding warning degree is generated according to the level of the target security risk, for example, when the target security risk corresponding to the evaluated target asset security product is high risk, multiple target warning signals are sent out to control a risk warning end to send out warning in multiple different warning modes, and when the target security risk is low risk, a target warning signal with lower degree is generated to control a single target warning end to send out warning. It should be noted that the risk early warning end or the corresponding early warning device may directly send a warning after responding to the target early warning signal, for example, send a corresponding warning icon or warning symbol on the terminal interface, or cooperate with the operator to send a warning to the user in a short message prompting manner, which is not specifically limited in this embodiment.
The invention provides an early warning method for asset security products, which comprises the following steps: when new loan information is detected, generating corresponding asset blocks according to the loan information and a preset asset management contract; determining target asset security products in a basic asset pool according to asset blocks which accord with preset income rules, wherein the basic asset pool comprises a plurality of different target asset security products; and respectively evaluating corresponding target security risks according to the income rules and the acquired actual income data of the target asset security products. By implementing the scheme, the loan information is generated into asset blocks according to a preset asset management contract, the combination difficulty between a block chain and the asset security field is reduced, the asset blocks meeting income rules are selected to determine target asset security products, the corresponding target security risks are evaluated by comparing the actual income data of the target asset security products with the preset income rules, and an alarm is sent according to the target security risks, so that the risks of the asset security products in the asset securitization market are effectively monitored, and the method has high reliability.
Further, before step S201, the method for warning of asset security products according to the embodiment of the present invention further includes the following steps:
at intervals of unit time, looking up a loan information record table of the property security platform;
extracting all loan information records in a loan information record table, wherein the loan information record table comprises at least one loan information record;
and when the application time of the loan information record is matched with the unit time, judging that new loan information exists, wherein the loan information record comprises the application time.
Specifically, the unit time is preset in the asset security platform corresponding to the early warning method for the asset security products, and the unit time is the interval time for referring to the loan information record table of the asset security platform, for example, the unit time may be set to 5 seconds, 10 seconds, 30 seconds, 1 minute or 5 minutes, and the like. At intervals of unit time, looking up a loan information record table of the property security platform, extracting all loan information records in the loan information record table when loan information exists in the loan information record table, and respectively analyzing or acquiring application time of the loan information records, wherein the application time is the time of a loan transaction request or the actual time of generating the loan information records corresponding to the loan information; further, the application time is matched with the actual time corresponding to the previous unit time, when the application time is within the previous unit time, the loan information record is considered as the loan information record generated within the previous unit time, the application time of the loan information record is judged to be matched with the unit time, and then the new loan information is determined to exist. By implementing the steps, the new loan information can be detected in real time, so that the loan transaction request which is provided by the user to the property security platform can be obtained in real time, the response is further carried out, and the user experience is improved.
In this embodiment, step S201 may specifically include:
requesting to record loan information when new loan information is detected;
after the request is recorded and responded, performing chain encryption on the loan information to obtain the encrypted loan information;
and generating the corresponding asset block according to the encrypted loan information according to a preset asset management contract.
In step S201, the property security platform will detect the loan information record table within a preset unit time, and when it is detected that the loan information record corresponding to the last preset unit time contains a new loan information item, it is determined that a user has made a new loan transaction request, that is, new loan information is detected; the property security platform requests to record the loan information item, namely links the loan information item, and particularly, when the property security platform requests to record a loan information response, the property security platform links the loan information item by identifying the content of the loan information, such as the name of a borrower, the loan amount, the loan request time and other loan information, and encrypts the loan information item in a chain manner to ensure the safety of the loan information such as the name of the borrower, the loan amount, the loan request time and the like. Further, generating a corresponding asset block according to a preset asset management contract for the encrypted loan information, specifically, converting the loan information into a data format which accords with a block chain-based asset security platform through the asset management contract, processing the loan information by using the asset security platform, chaining the processed loan information to the block chain, generating the asset block corresponding to the loan information, reducing the combination difficulty between the block chain and the asset security field, enabling the fusion degree of the loan information and the block chain-based asset security platform to be high, and improving the transaction data processing efficiency of the asset security platform.
Further, the step of generating the corresponding property block according to the encrypted loan information and the preset property management contract comprises:
extracting transaction information of the encrypted loan information;
judging whether the encrypted loan information is valid or not according to the transaction information;
and when the encrypted loan information is valid, generating a corresponding asset block on the block chain according to a preset asset management contract.
Specifically, the transaction information may be loan person identity information, such as loan person name, identity card number, and the like, and the transaction information further includes: loan amount, loan request time, loan payment request time, etc.; extracting transaction information related to the encrypted loan information, and evaluating the authenticity of the loan information according to the extracted transaction information, wherein if the name and the identification number in the loan identity information are matched, and if the loan amount and the loan release requesting time have reliability, if the loan amount is 100 yuan and the loan release requesting time is 50 years, the transaction information in the corresponding loan information can be judged to be unreliable. By determining the validity of the loan information, the method can effectively avoid the misoperation of the user when filling the loan information or the malicious harassment of the user on the loan transaction service, and improve the reliability of the asset security platform management.
Further, the encrypted loan information is converted into a data format which accords with a property security platform based on a block chain through the property management contract, the loan information is processed by the property security platform, the property security platform on the processed loan information block chain generates a property block corresponding to the loan information, the combination difficulty between the block chain and the property security field is reduced, the fusion degree of the loan information and the property security platform based on the block chain is enabled to be high, and the transaction data processing efficiency of the property security platform is improved.
In this embodiment, the step S202 may specifically include:
extracting pre-report information of the asset block;
screening the pre-reported information according to a preset income rule to obtain an asset block corresponding to the preset income rule;
building a basic asset pool by using the asset blocks corresponding to the income rules;
corresponding target asset security products are determined according to the asset blocks in the base asset pool.
Specifically, the predetermined revenue rule is a rule set for the asset security platform, and the revenue rule is not limited to include: and the repayment expected time, the loan interest rate, the payment amount required at the repayment expected time and other data thresholds. Further, extracting or obtaining pre-return information corresponding to the property block, wherein the pre-return information is expected data of loan information filled when the user sends a loan transaction request, namely, each data condition which is acceptable in the subsequent repayment process after the user makes a loan; the pre-report information includes: the method includes the steps that data information such as pre-repayment time, pre-loan interest rate and pre-repayment amount is determined to be in accordance with a preset income rule when data related to the pre-repayment information meets or meets a data threshold corresponding to the income rule, and if the loan interest rate in the pre-repayment information is larger than a loan interest rate threshold of the income rule, or the repayment amount is larger than a required repayment amount threshold of the repayment expected time, or the repayment time is smaller than a repayment expected time threshold, it is to be noted that the embodiment may further limit that each data included in the pre-repayment information needs to meet the corresponding data threshold in the income rule at the same time, and then the asset block is determined to be in accordance with the preset income rule. Further, building a basic asset pool by a plurality of asset blocks which accord with the income rule, or adding one asset block which accords with the income rule into the built basic asset pool; in addition, loan information or related information corresponding to a plurality of property blocks can be organized into a basic property pool, or the loan information or related information corresponding to the property blocks can be added into the basic property pool. Further, the target property security products to be established are determined according to property blocks or loan information corresponding to the property blocks in the basic property pool, wherein the basic property pool can contain a plurality of different target property security products. Through the steps of the method, the asset blocks which accord with the preset income rules can be screened to establish the target asset security products, the loan information which does not accord with the income rules is effectively prevented from being added into the basic asset pool, and the target asset security products are established, so that the risk of the target asset security products is increased; by executing the steps, the monitoring can be carried out at the stage of establishing the target property security product, the loan information is screened, the risk of establishing the target property security product is reduced, and the reliability is improved.
In this embodiment, step S203 may specifically include:
respectively inquiring actual income data corresponding to a plurality of target asset security products;
respectively comparing the plurality of actual revenue data with revenue thresholds of revenue rules, wherein the revenue rules comprise the revenue thresholds;
if the actual income data is greater than or equal to the income threshold value, evaluating the target security risk corresponding to the target asset security product as low risk;
and if the actual income data is smaller than the income threshold value, evaluating the target security risk corresponding to the target asset security product as high risk.
In step S203, specifically, the actual income data of the target asset security product needs to be acquired, and the user sends a payment transaction request to the asset security platform within the expected payment time, where the payment transaction request includes actual payment information, actual payment time, and the like. In this embodiment, the actual payment information is taken as an example, and the actual payment information department understands the amount of the actual payment. Specifically, the actual revenue data corresponding to one or more target asset security products is queried, respectively, and the actual revenue data includes: a repayment amount. Further, the preset income rule is a rule set by the asset security platform, the income threshold value is a loan repayment amount threshold value within expected time in the income rule, the preset income rule is compared with actual income data corresponding to the target asset security product, and when the actual income data meets the income rule, if the repayment amount in the actual income data is greater than or equal to the loan repayment amount threshold value within the expected time, the target security risk corresponding to the target asset security product is evaluated to be low risk; and otherwise, if the repayment amount in the actual income data is smaller than the loan repayment amount threshold value in the expected time, evaluating the target security risk corresponding to the target property security product as high risk. By executing the step, the repayment condition and the basic information of the target asset security product are inquired to evaluate the recovery condition of the cash flow of the loan asset, so that the risk of the securitized product is evaluated, the default risk of the basic asset is mastered in real time, the risk monitoring of the securitization of the asset is improved, the loss caused by default of the target asset security product is avoided, and the method has reliability.
In this embodiment, step S203 is followed by:
further, a property and security data table is established by utilizing the loan information, the target property and security products and the target security risk for the user to inquire.
Specifically, a property and security data table is generated by utilizing the loan information, the target property and security products and the target security risk, the property and security data table can be stored in a database or a data storage end, and the property and security data table can be called by a processor and sent to a user end or a transaction request end through a service supply end so as to be referred or consulted by a user. It should be noted that, the property and security data table may also be established through other data, such as expected repayment time, loan interest rate, and the like, which is not further described in this embodiment.
Referring to fig. 3, fig. 3 is a block diagram of an early warning apparatus for asset security products according to an embodiment of the present invention, the early warning apparatus for asset security products corresponding to an execution subject processor of an early warning method for asset security products, the apparatus 300 comprising:
the property generation module 301 is configured to generate, when new loan information is detected, corresponding property blocks according to a preset property management contract for the loan information;
a product determination module 302 for determining target asset security products in a base asset pool according to asset blocks meeting a preset revenue rule, wherein the base asset pool comprises a plurality of different target asset security products;
the risk assessment module 303 is configured to assess corresponding target security risks according to the income rules and the obtained actual income data of the target asset security products;
and the early warning generation module 304 is configured to generate a corresponding target early warning signal according to the target security risk so as to control to send out a warning.
Further, the apparatus 300 further comprises: a data creation module 305;
and the data establishing module 305 is used for establishing a property and security data table by utilizing the loan information, the target property and security products and the target security risk for the user to inquire.
The invention provides an early warning device for asset security products, comprising: an asset generation module 301, a product determination module 302, a risk assessment module 303, an early warning generation module 304 and a data establishment module 305; specifically, first, when new loan information is detected, the loan information is generated into a corresponding property block according to a preset property management contract through the property generation module 301; determining, by the product determination module 302, a target asset security product in a base asset pool according to an asset block meeting a preset revenue rule, wherein the base asset pool contains a plurality of different target asset security products; respectively evaluating corresponding target security risks through a risk evaluation module 303 according to the income rules and the acquired actual income data of the target asset security products; generating a corresponding target early warning signal according to the target security risk through an early warning generation module 304 so as to control and send out a warning; and creating a property and security data table by using the loan information, the target property and security product and the target security risk through the data creating module 305 for the user to query. By implementing the scheme, the loan information is generated into asset blocks according to a preset asset management contract, the combination difficulty between a block chain and the asset security field is reduced, the asset blocks meeting income rules are selected to determine target asset security products, the corresponding target security risks are evaluated by comparing the actual income data of the target asset security products with the preset income rules, and an alarm is sent according to the target security risks, so that the risks of the asset security products in the asset securitization market are effectively monitored, and the method has high reliability.
The present invention provides an electronic device, please refer to fig. 4, which is an architecture diagram of the electronic device according to an embodiment of the present invention, and the electronic device includes: the early warning method for the asset security products comprises a memory 401, a processor 402 and a communication bus 403, wherein the communication bus 403 is respectively connected with the memory 401 and the processor 402 in a communication mode, the memory 401 is coupled with the processor 402, a computer program is stored on the memory 401, and when the processor 402 executes the computer program, each step of the early warning method for the asset security products is achieved.
Illustratively, a computer program for a method of forewarning of asset security products comprises: when new loan information is detected, generating corresponding asset blocks according to the loan information and a preset asset management contract; determining target asset security products in a basic asset pool according to asset blocks which accord with preset income rules, wherein the basic asset pool comprises a plurality of different target asset security products; and respectively evaluating corresponding target security risks according to the income rules and the acquired actual income data of the target asset security products. In addition, the computer program may also be divided into one or more modules, which are stored in the memory and executed by the processor to accomplish the present invention. One or more of the modules may be a series of computer program instruction segments capable of performing certain functions, the instruction segments being used to describe the execution of a computer program in a computing device. For example, the computer program may be partitioned into an asset generation module 301, a product determination module 302, a risk assessment module 303, an early warning generation module 304, and a data establishment module 305 as shown in FIG. 3.
The Processor 402 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The present invention further provides a storage medium, which is a computer-readable storage medium, and a computer program is stored on the computer-readable storage medium, and when being executed by a processor, the computer program implements the steps of the method for early warning of asset security products.
In the several embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the modules is merely a logical division, and in actual implementation, there may be other divisions, for example, multiple modules or components may be combined or integrated into another system, or some features may be omitted, or not implemented. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or modules, and may be in an electrical, mechanical or other form.
The modules described as separate parts may or may not be physically separate, and parts displayed as modules may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment.
In addition, functional modules in the embodiments of the present invention may be integrated into one processing module, or each of the modules may exist alone physically, or two or more modules are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode.
The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
It should be noted that, for the sake of simplicity, the above-mentioned method embodiments are described as a series of acts or combinations, but those skilled in the art should understand that the present invention is not limited by the described order of acts, as some steps may be performed in other orders or simultaneously according to the present invention. Further, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred and that no acts or modules are necessarily required of the invention.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
In view of the above description of the method, apparatus, electronic device and storage medium for warning of asset security products provided by the present invention, those skilled in the art will appreciate that the concepts of the embodiments of the present invention may be varied in the specific implementation manners and the application ranges.
Claims (10)
1. A method for providing early warning of asset security products, the method comprising:
when new loan information is detected, generating corresponding asset blocks according to the loan information according to a preset asset management contract;
determining target asset security products in a base asset pool according to the asset blocks meeting preset revenue rules, wherein the base asset pool comprises a plurality of different target asset security products;
respectively evaluating corresponding target security risks according to the income rules and the acquired actual income data of the target asset security products;
and generating a corresponding target early warning signal according to the target security risk so as to control and send out a warning.
2. The method of claim 1, wherein the step of generating the loan information into the corresponding property block according to a predetermined property management contract when new loan information is detected is preceded by:
at intervals of unit time, looking up a loan information record table of the property security platform;
extracting all loan information records in the loan information record table, wherein the loan information record table comprises at least one loan information record;
and when the application time of the loan information record is matched with the unit time, judging that new loan information exists, wherein the loan information record contains the application time.
3. The method of claim 1, wherein the step of generating the loan information into the corresponding property block according to a predetermined property management contract when new loan information is detected comprises:
when new loan information is detected, requesting to record the loan information;
after the request is recorded and responded, the loan information is encrypted in a chain manner to obtain the encrypted loan information;
and generating the corresponding asset block according to the encrypted loan information according to the preset asset management contract.
4. The method of claim 3, wherein the step of generating the corresponding asset block according to the preset asset management contract with the encrypted loan information comprises:
extracting transaction information of the encrypted loan information;
judging whether the encrypted loan information is valid or not according to the transaction information;
and when the encrypted loan information is valid, generating the corresponding asset block on the block chain according to the preset asset management contract.
5. The method of claim 1, wherein said step of identifying a target asset security product within a pool of underlying assets based on said block of assets meeting a predetermined rule of return comprises:
extracting pre-reported information of the asset block;
screening the pre-reported information according to the preset income rule to obtain an asset block corresponding to the preset income rule;
building a basic asset pool by using the asset blocks corresponding to the income rules;
determining the corresponding target asset security product according to the asset block in the base asset pool.
6. The method of claim 1, wherein said step of individually assessing risk of a corresponding target security based on said rules of return and said obtained actual return data for a plurality of said target asset security products comprises:
respectively inquiring actual income data corresponding to a plurality of target asset security products;
respectively comparing the actual income data with income thresholds of the income rules, wherein the income rules comprise the income thresholds;
if the actual income data is greater than or equal to the income threshold value, evaluating the target security risk corresponding to the target asset security product as low risk;
and if the actual income data is smaller than the income threshold value, evaluating the target security risk corresponding to the target asset security product as high risk.
7. The method of claim 1, wherein said step of assessing risk of said target security based on said rules of return and said obtained actual return data of said target asset security products comprises the steps of:
and establishing a property and security data table by using the loan information, the target property and security products and the target security risk for the user to inquire.
8. An early warning apparatus for asset security products, the apparatus comprising:
the property generation module is used for generating corresponding property blocks according to the loan information according to a preset property management contract when new loan information is detected;
a product determination module, configured to determine a target asset security product in a base asset pool according to the asset block meeting a preset revenue rule, where the base asset pool includes a plurality of different target asset security products;
the risk assessment module is used for respectively assessing corresponding target security risks according to the income rules and the acquired actual income data of the target asset security products;
and the early warning generation module is used for generating a corresponding target early warning signal according to the target security risk so as to control and send out a warning.
9. An electronic device, comprising: a memory, a processor and a communication bus, said communication bus being communicatively connected to said memory and said processor, respectively, said memory being coupled to said processor, wherein said memory has stored thereon a computer program, said processor, when executing said computer program, performing the steps of the method of warning of asset security products as recited in any one of claims 1 to 7.
10. A storage medium being a computer readable storage medium, characterized in that the computer readable storage medium has stored thereon a computer program which, when being executed by a processor, carries out the steps of the method of pre-warning of asset security products as claimed in any one of the claims 1 to 7.
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